Generally, health insurance can be divided into medical insurance, sickness insurance, disability income loss insurance and nursing insurance. Among them, the most common critical illness insurance and medical insurance are strongly recommended.
(1) critical illness insurance
Critical illness insurance is mainly used to treat major diseases. Children, teenagers, middle-aged and elderly people are all suitable for buying, and the earlier they buy, the cheaper they are.
Pay attention to when choosing critical illness insurance:
1, light, moderate and severe illness protection should be complete.
It is not enough to have serious illness protection, and excellent serious illness insurance products also need to protect mild and moderate diseases. At the same time, we have to pay attention to whether we can cover as many mild and moderate diseases as possible, which is excellent for consumers. However, the more kinds of serious diseases, the better. The new regulations on critical illness insurance stipulate that all critical illness insurance must have 28 high-risk critical illnesses. It can be said that high-risk diseases have been well protected, therefore, it is of little significance to protect 100 or10 diseases for critical illness.
2. Choose adequate insurance coverage.
Judging from the current economic situation, it takes about 300 thousand to treat serious diseases. If you want better treatment, you need to spend at least 500 thousand yuan. Therefore, when purchasing critical illness insurance, it is recommended to cover at least 300,000 yuan, at least reaching the basic treatment line. If the purchase budget is large, the insured amount can be increased. How much critical illness insurance do you want to buy? Look at this article: "What is the best amount of insurance to buy? Learning is all here. "
3. It is best to have extra points such as multiple compensation for cancer
Critical illness insurance not only has the basic protection of the insured's death, exemption, etc., but also has additional items such as multiple compensation for cancer, which will be more prominent and sufficient. More comprehensive suggestions for critical illness insurance are summarized for you. To have dry goods, it is worth having: "Ten New Definitions of the Most Worth Buying Critical Illness Insurance"
(2) Medical insurance
As a supplement to medical insurance, medical insurance has the nature of reimbursement.
Pay attention to the following points when buying:
1, pay attention to the safety content.
The basic guarantee clauses of medical insurance cover general hospitalization and serious illness hospitalization, special outpatient service, outpatient surgery, and emergency treatment before and after hospitalization. An excellent million-dollar medical insurance, of course, the more comprehensive the protection responsibility, the better. Why? Because it also means that we can enjoy a wider range of reimbursement and the more expenses we can reimburse.
2. See renewal conditions.
When we usually choose medical insurance, it is better to choose products with relaxed or guaranteed renewal conditions. An excellent medical insurance product will not refuse to renew the insurance or raise the premium because the insured is in poor health or claims.
3. Pay attention to value-added services
For example, some practical value-added services usually include advance payment of hospitalization expenses, green link for medical treatment, proton heavy ion reimbursement and so on. Want to know more about the value-added services of medical insurance, go in and unlock more knowledge: "Before buying medical insurance, you have to look at these" value-added services ".
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